The goal of this site is to give you information, tools and the resources necessary to help you reclaim the thousands of pounds that you are due from UK banks for unfair bank fees and bank charges over the past six years.

Many people have successfully received thousands of pounds in refunds and reclaimed fees, and you can too.

Welcome to our site. Here you will find the latest information on how you can claim back thousands of pounds back in fee refunds from banks, credit card companies and payment protection insurance (PPI) providers.

Bank charges have become part of our life and second nature but they are not legally enforceable. Penalty clauses in contracts in English (and Scottish) law for breach of contract aren’t legal if the penalty exceeds the actual cost of the breach of either party.

If you can listen to RealAudio you will find this recent BBC Moneybox show very interesting (click here). You will enjoy listening to the Lloyds TSB bank executive squirm as he fails to defend the banks charges.

We all know that it does not cost a bank £25 to £39 to return a Direct Debit, Standing Order or cheque, and luckily so do judges, and indeed the banks. It’s purely a money making scheme, and a lucrative one at that – with estimates that the charges from the top 4 UK high street banks generated £4.7 billion in one year alone. One in five bank customers incur these types of charges, and because it's a bank imposing them, most people assume that the bank must be legally entitled to do so. Wrong.

How can charges get so big, why can people reclaim £1000s?

These charges snowball. Imagine you go beyond the overdraft limit, you're then hit with a fine for that and a couple of fines for bounced cheques or Direct Debits. Now suddenly you're around £100 down, which you can't afford to repay - next month there are more fines - and so it continues.

So, what are the rules?

Under the 1977 Unfair Terms (contracts) Act, the sheer fact that all banks make these charges makes this a breach of the act.

This is also a breach of the 1999 Consumer Credit Act (Unfair Terms in Consumer Contracts - the Office of Fair Trading (OFT) has already investigated the charges levied by Credit Card Companies) and possibly the Sale of Goods Act, and many others.

The short version is, with the correct advice and consultation it is possible for the client to reclaim and recover all unfair bank charges and bank fees for the last six years plus interest.

The government body warned the financial industry that card default charges - often at least £20 - should "only reflect the administrative costs of dealing with the default" and suggested £12 would be a fairer. It followed that up with a stinging left hook aimed at banks who charge current account customers upwards of £25 for slipping into the red even for a day, with extra charges for payments while overdrawn. They too, it warned, need to be reviewed.

As for the banks - the five largest of which last year posted profits of more than £30bn.

Now it is your turn to claim back years of unfair bank fees and charges. Reclaiming these large sums of money back is possible. You can either elect to sue your creditors yourself or using links on this site, representatives can secure huge refunds for you of the unfair bank fees and bank charge you have paid.